Key takeaways

  • The Ink Business Unlimited® Credit Card is a great pick for spending outside of typical bonus categories since it offers 1.5 percent cash back on all purchases
  • This is a great card to pair with other Chase cards since you can pool your Chase rewards together
  • This card also comes with a welcome offer, no annual fee, some travel perks and free employee cards

While I have quite a few personal credit cards from all the major issuers, I also have a handful of business credit cards from Chase. My husband and I have separate business cards for a few reasons, including the fact that business credit cards help us keep business spending separate from personal spending. This makes it easier to stay organized for tax purposes, and it lets us maximize rewards on business-related purchases.

The first business credit card I signed up for was the Ink Business Preferred® Credit Card from Chase. I still use this card regularly within the 3X points categories, which include advertising purchases (made with social media and search engines), travel, shipping and internet, cable and phone services. This card lets me earn 3X points on up to $150,000 in spending in these categories each year, then 1X points, which makes it easy to rack up rewards quickly.

However, the Ink Business Preferred falls short when it comes to everyday spending since it only offers 1X points on regular purchases. That’s why I added the Ink Business Unlimited® Credit Card to my roster of cards, yet I have grown to absolutely love it for other reasons since then.

What to love about the Ink Business Unlimited

While I don’t use the Ink Business Unlimited for all the purchases my business makes, I do use it for a ton of regular spending each year. Here are the main reasons this no-annual-fee business credit card is such an important part of my rewards strategy.

Easy points pooling

Chase makes it simple to pool all your rewards in one place, so I can turn the cash back I earn with the Ink Business Unlimited into valuable Chase Ultimate Rewards points and use for travel. I also have personal Chase credit cards, including the Chase Sapphire Reserve®, so I actually pool all my Chase points in my Sapphire Reserve card’s account to make things simple.

Once in my Sapphire Reserve account, I have the option to transfer my points to Chase transfer partners like British Airways, United MileagePlus, IHG Rewards Club or Marriott Bonvoy. The Chase Sapphire Reserve also offers 50 percent more value when you use points to book travel through Chase, so pooling my points in this account lets me get more value for my rewards.

As a side note, you should also know that points earned in the Chase Ultimate Rewards program can be used for a lot more than travel. Beyond travel redemptions, you can use these points for cash back, statement credits, gift cards, merchandise, experiences and more.

Earn 1.5% cash back on all purchases

Beyond the ability to pool points with other Chase cards, the biggest upside of the Ink Business Unlimited is the fact cardholders earn a flat 1.5 percent cash back for each dollar they spend.

The card technically earns Chase Ultimate Rewards points, so when you combine this card with other Chase travel credit cards, this translates to 1.5X points for each dollar in purchases your business makes. This is a better rate for regular spending compared to the Ink Business Preferred and Ink Business Cash® Credit Card.

For that reason, I break out my Ink Business Unlimited for business purchases that don’t earn any bonus points with my other cards.

Generous welcome offer

While it’s definitely been a while, I also earned a big bonus just for signing up for the Ink Business Unlimited. At the moment, this popular business credit card offers $750 in bonus cash back after cardholders spend $6,000 on new purchases within three months of account opening.

If you have other Chase travel credit cards you can pool rewards with, this bonus translates to 75,000 Chase Ultimate Rewards points. That’s a pretty sweet bonus to earn considering its lower minimum spending requirement, and it’s definitely worth pursuing if you can do so.

No annual fee

Another benefit of the Ink Business Unlimited is its lack of an annual fee. This makes the Ink Business Unlimited a no-brainer for long-term usage and an easy card to pair with other personal and business credit cards.

Free cardholder perks

For a business card with no annual fee, the Ink Business Unlimited’s benefits are pretty sweet. Travel perks include primary auto rental coverage when you rent a car for business purposes, travel and emergency assistance services and roadside dispatch.

Other benefits cardholders receive include purchase protection against damage or theft (good for up to $10,000 per claim and up to $50,000 per account) and extended warranty coverage on items that come with a manufacturer’s warranty.

Cardholders can also score free employee cards for all their employees, which can help them earn more rewards while making it easier to keep track of employee business expenses.

0% intro APR offer

Finally, it’s worth noting that the Ink Business Unlimited offers an introductory 0 percent APR on purchases for 12 months, followed by a variable APR of 18.49 percent to 24.49 percent. This benefit can be useful for cardholders who want the chance to pay down large business purchases without any interest for up to a year.

However, it’s important to remember that this benefit applies to purchases only and not to balance transfers.

The bottom line

As you can see, there are many reasons to fall in love with the Ink Business Unlimited. Not only does the card offer a generous welcome offer and a flat rate of 1.5 percent cash back on all purchases, but there’s also no annual fee. A handful of cardholder perks and an intro APR offer on purchases only add to its value.

If you’re in the market for a new business credit card, it makes sense to at least consider the Ink Business Unlimited. It can work as a good stand-alone card if you’re looking for a business card with no annual fee, but you can also pair it with business cards with bonus categories that help you maximize your rewards.